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Treasury Index CD

Treasury Index CD comparison

Earn More with a Variable Rate CD

Typical Certificates of Deposit (CDs) come with a fixed rate. In periods of diminishing rates, it may be attractive to lock in a rate before they decline further. But if you think rates may go up in the future, our 2-Year Treasury Index CD comes with a variable rate that is adjusted on a quarterly basis! Your rate is indexed to the Wall Street Journal 3 Month Treasury rate plus a 0.50% margin. As this index rate moves, so does the rate on your CD.
  • Variable rate Indexed to 3 Month Treasury Rate + 0.50%
  • Open with just $100
  • Add funds during first 30 days
  • FDIC Insured

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Online Value. New Jersey Bank.

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Earn more with our online rates that consistently beat traditional banks
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Keep your dollars in the Garden State and help our local economy
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Get support from an actual person when you need it
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Backed by an FDIC-insured bank with more than 130 years of great savings and service

Open Your Account in One Easy Session

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Transfer your money from an existing account. That's it!


No! While many of our products are for New Jersey residents only, we’re proud to offer our Treasury Index CD to the entirety of the United States.
Opening an account online is easy and takes less than ten minutes. You need to be at least 18 years old and a citizen or Resident Alien of the United States (some accounts also require New Jersey residency). Please have your Social Security Number, a photo ID, and your external funding information handy.
Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 130 years. We’ve also been voted “Best Bank” for more than 20 consecutive years!
We can pay more because Amboy Direct clients do not use branches. This helps reduce our costs, which means we can pay you higher rates and bring you added value.
Our account opening process and Digital Banking platform employ state of the art security practices, so you can rest assured that your information is safe.
Amboy Direct relationships are FDIC-insured up to $250,000 per depositor.

Listen to the Experts

Terms & Disclosures * Annual Percentage Yield (APY) is shown based on $25,000 balance. Competitor information is from Ratewatch survey on 06/30/2021. Balances of $25,000 - $500,000 earn 0.55% APY, under $25,000 earns no interest. Early withdrawal penalties may apply. Rate changes quarterly. New money only. $100 to open. $500,000 maximum per household. Not available at Amboy branches.